AXI Card Tarjeta y Credito review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
AXI Card Tarjeta y Credito is a credit card for people who spend in euros and want no annual charge and no cost on currency conversion. The catch is borrowing: the rate is 21.59%, and the annual fee is €0 with a currency conversion fee of 0%.
Key facts
- Best for
- A fee-free credit line for euro spenders who clear the balance each month.
- Annual fee
- €0 (Source, checked September 26, 2026)
- APR
- 21.59% (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- None (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Access Finance SL (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Official website
- axi-card.es
Pros and cons
Pros
- Annual fee of €0, ranking 1 of 301 brands compared on that measure.
- Currency conversion fee of 0%, ranking 1 of 181 brands compared.
- A revolving credit card, so a balance can sit on the account and be cleared over time.
Cons
- Borrowing costs 21.59%, a shade above the site APR median of 20.97%.
- Spending earns nothing, with a rewards type of none.
- On APR it ranks 76 of 133 brands compared, so the rate is the weak side of the offer.
Who it suits
- People who spend in euros and want a credit card with no annual charge to hold.
- Cardholders who clear the balance each month, so the rate of 21.59% never applies.
- Anyone happy with rewards of none who values low currency costs over perks.
Who should look elsewhere
- Varo Believe Secured Credit Card, with an annual fee of $0, suits anyone who wants a secured card rather than a revolving one.
- Wise, at an annual fee of £0, is worth weighing up if you want a fee-free card outside a euro credit line.
- Chime Card (Secured Visa Credit), at an annual fee of $0, suits people who want their credit tied to a deposit.
Fees and FX
The AXI Card credit card charges an annual fee of €0 and a currency conversion fee of 0%, so there is no cost to holding the card and no markup on foreign spend. The only charge to watch is interest on a carried balance, at 21.59%.
How AXI Card Tarjeta y Credito compares
8.5 vs 9.0
8.5 vs 8.9
8.5 vs 8.8
8.5 vs 9.2
8.5 vs 8.8
8.5 vs 9.4
8.5 vs 8.5
8.5 vs 8.5
8.5 vs 9.0
8.5 vs 8.8
8.5 vs 8.8
8.5 vs 8.7
8.5 vs 9.2
8.5 vs 9.0
8.5 vs 9.5
AXI Card Tarjeta y Credito vs Current Build Card8.5 vs 9.4
8.5 vs 9.4
8.5 vs 9.2
8.5 vs 9.2
8.5 vs 9.1
8.5 vs 9.1
8.5 vs 9.1
8.5 vs 9.1
8.5 vs 8.8
8.5 vs 8.8- 8.5 vs 8.8
- 8.5 vs 8.8
- 8.5 vs 8.8
8.5 vs 8.5
8.5 vs 8.5
8.5 vs 8.5
8.5 vs 8.3
8.5 vs 8.2
8.5 vs 8.0
8.5 vs 8.0
Where AXI Card Tarjeta y Credito is available
- Available
- Spain
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the AXI Card cost to hold?+
The annual fee is €0, and the card is sold on a no annual fee model. That sits with the site median of €0, while the upper quartile of listed cards charges €4.89 or more. On price to hold, there is simply nothing to pay.
How expensive is the interest on the card?+
The rate is 21.59%, which is close to the site APR median of 20.97%. Listed rates run 0% to 204.6%, so this sits in the middle rather than at either end. On the APR ranking the card places 76 of 133 brands compared.
What does it cost to spend in another currency?+
The currency conversion fee is 0%, so foreign purchases carry no added charge. Cards across the site have a median conversion fee of 1% and a maximum of 10.5%. On the conversion fee ranking this card places 1 of 181 brands compared.
Does the card earn anything back on spending?+
Rewards on this card are none, so spending earns no cashback, points or miles. Cashback is the most common reward structure across the site at 49.5%, with points at 19.8%. People who want something back on every purchase should look elsewhere.
Who issues the card and what kind is it?+
The card is a credit card issued by Access Finance SL, so a balance revolves and interest applies to what you carry. Credit cards account for 96.8% of the cards listed on the site, with the rest being charge cards. Anyone comparing lenders should check terms with the issuing entity before applying.
Who should choose this card?+
It suits people who spend in euros, want no annual charge and pay in full each month. With a no annual fee model, an annual fee of €0 and a conversion fee of 0%, the ongoing cost is the interest rate of 21.59% if a balance is carried. Rewards are none on every purchase.
How does the annual fee compare with the alternatives?+
The annual fees line up across these cards: $0 for the Varo Believe Secured Credit Card, £0 for Wise and $0 for the Chime Card. The difference is the product type, since the alternatives are secured cards while this one is a credit card.
Sources
- axi-card.es checked September 26, 2026
Backs: Card kind, Legal entity, Rewards type
- axi-card.es/tarifas checked September 26, 2026
Backs: Annual fee, Currency conversion fee, Pricing model
- axi-card.es/uploads/files/2026-05-19-axi-es-3-sef-es-fina... checked September 26, 2026
Backs: APR
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
AXI Card Tarjeta y Credito
A fee-free credit line for euro spenders who clear the balance each month.